2009 Winter Auto Guide
Keys in the door of a silver car
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9 steps to a car loan on damaged credit

1. Don't assume the worst
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Don't take someone else's word that your credit is bad. Pull your three reports for free at AnnualCreditReport.com. Then go to MyFICO.com and pay a few dollars for your one-time Equifax and TransUnion FICO scores. Even two candidates with an identical score might not be the same in the eyes of a lender, says John Van Alst, staff attorney for the National Consumer Law Center. "Even if your score is tarnished, you may have a better chance than someone with the same score and no (credit) history," he says.


 

 

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